My Raptor order finally delivered to the dealer BUT...

[BryBurger]

Of course my Raptor would be produced and delivered during the literally worst time to buy a vehicle! Would I like the truck? Of course! But... financing is the worst ever and I am on the fence about just letting it go. Decisions decisions?!

 

[Space Ghost]

If the price is right you can always get refinanced, credit unions prob your best bet.
Used market was not friendly at the time i got mine, but got a substantially lower rate when i refinanced with my credit union

 

[NickyF25]

I agree...if the price is right go ahead. I bought my 2023 at MSRP two weeks ago and got 4.49% for 60 months (the dealer matched what my credit union would do). I don't see rates going back to the way they were (they should have never been kept so low for so long) but there are still decent rates out there. Also helps to put a good down payment too.

 

[Chazzersgarage]

Higher credit prices (interest rates) typically lead to lower commodity (item purchased) prices. Talk to the dealer about your concerns and see if you can save a couple of bucks.

 

[raptorzz]

Buy it and refinance,
If the price is right. (Msrp or less of course)

 

[BryBurger]

I appreciate the input everyone. Keep in mind I live in CA and MSRP is still like finding a needle in a hay stack. I got it down to $5k markup

 

[GTTXRAP]

Don't buy it if it's going to be a financial burden for you...but you already know that.

 

[GordoJay]

Of course my Raptor would be produced and delivered during the literally worst time to buy a vehicle! Would I like the truck? Of course! But... financing is the worst ever and I am on the fence about just letting it go. Decisions decisions?!

I'd let it go. If we go into a recession, you'll be upside down. If anything goes wrong financially, you will be SOL. A Raptor is a luxury, not a necessity. Luxuries should be bought with FU money. But if you love rolling the dice, go for it. YOLO

 

[Littlefx4]

Don't buy it if it's going to be a financial burden for you...but you already know that.

^^This^^ With rising interest rates, which we all knew, when was the right time to buy one of these trucks? Make the right decision for you, your household, and your wallet.

 

[Jkdaddy5]

Is it a 37 package?